US2006178988A1PendingUtilityA1

Internet billing method

Assignee: NETCRAFT CORPPriority: Jul 7, 1995Filed: Apr 4, 2006Published: Aug 10, 2006

Est. expiryJul 7, 2015(expired)· nominal 20-yr term from priority

G06Q 20/02G06Q 30/0601G06Q 20/102G06Q 20/108G06Q 30/0613G06Q 40/04G06Q 20/14G06Q 20/10G06Q 20/04G06Q 20/105G06Q 20/12G06Q 20/16G06Q 30/0633G06Q 20/40G06Q 30/04

PatentIndex Score

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References

Claims

Abstract

An Internet billing method comprises establishing an agreement between an Internet access provider and a customer, and an agreement between the Internet access provider and a vendor, wherein the Internet access provider agrees with the customer and the vendor to bill the customer and remit to the vendor for products and services purchased over the Internet by the customer from the vendor. The provider creates access to the Internet for the customer. When the customer orders a product or service over the Internet from a vendor, transactional information transmitted between the customer and the vendor is also transmitted to the provider. The provider then bills the transaction amount to the customer and remits a portion of the transaction amount to the vendor, keeping the differential as a fee for providing the service. As a result of this method, there is no need for any customer account numbers or vendor account numbers to be transmitted over the Internet, thereby maintaining the security of that information.

Claims

exact text as granted — not AI-modified

1 - 30 . (canceled)

31 . A method for billing for a purchase transaction over the Internet between a purchasing customer and a selling vendor by a third party provider of at least one of cable television, telephone service, and on-line services, the method comprising the third party provider: providing access to the Internet for the purchasing customer and charging the purchasing customer a transaction amount for the purchase transaction by charging the transaction amount to an account of the purchasing customer, wherein the third party provider is not the selling vendor.

32 . A method for billing for a purchase transaction over the Internet between a purchasing customer and a selling vendor by a cable television provider which is not the selling vendor, the method comprising the cable television provider: providing access to the Internet for the purchasing customer and charging the purchasing customer a transaction amount for the purchase transaction by charging the transaction amount to an account of the purchasing customer.

33 . The method according to claim 32 , wherein the account of the purchasing customer is an account with the cable television provider.

34 . The method according to claim 32 , wherein the account of the purchasing customer is a credit card account or a bank account.

35 . The method according to any one of claims 32 - 34 , wherein the selling vendor does not receive the account number to which the transaction amount is charged before the transaction amount is charged to the account.

36 . The method according to any one of claims 32 - 34 , wherein delivery of the product or service purchased in the purchase transaction is by electronic transmission.

37 . The method according to claim 35 , wherein delivery of the product or service purchased in the purchase transaction is by electronic transmission.

38 . The method according to any one of claims 32 - 34 , wherein delivery of the product or service purchased in the purchase transaction is by mail or courier.

39 . The method according to claim 35 , wherein delivery of the product or service purchased in the purchase transaction is by mail or courier.

40 . The method according to any one of claims 32 - 34 , wherein the cable television provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

41 . The method according to claim 35 , wherein the cable television provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

42 . The method according to claim 36 , wherein the cable television provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

43 . The method according to claim 37 , wherein the cable television provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

44 . The method according to claim 38 , wherein the cable television provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

45 . The method according to claim 39 , wherein the cable television provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

46 . The method according to any one of claims 32 - 34 , wherein the cable television provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

47 . The method according to claim 35 , wherein the cable television provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

48 . The method according to claim 36 , wherein the cable television provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

49 . The method according to claim 37 , wherein the cable television provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

50 . The method according to claim 38 , wherein the cable television provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

51 . The method according to claim 39 , wherein the cable television provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

52 . The method according to any one of claims 32 - 34 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

53 . The method according to claim 35 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

54 . The method according to claim 36 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

55 . The method according to claim 37 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

56 . The method according to claim 38 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

57 . The method according to claim 39 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

58 . The method according to claim 40 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

59 . The method according to claim 41 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

60 . The method according to claim 42 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

61 . The method according to claim 43 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

62 . The method according to claim 44 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

63 . The method according to claim 45 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

64 . The method according to claim 46 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

65 . The method according to claim 47 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

66 . The method according to claim 48 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

67 . The method according to claim 49 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

68 . The method according to claim 50 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

69 . The method according to claim 51 , wherein the cable television provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

70 . The method according to any one of claims 32 - 34 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

71 . The method according to claim 35 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

72 . The method according to claim 36 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

73 . The method according to claim 37 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

74 . The method according to claim 38 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

75 . The method according to claim 39 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

76 . The method according to claim 40 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

77 . The method according to claim 41 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

78 . The method according to claim 42 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

79 . The method according to claim 43 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

80 . The method according to claim 44 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

81 . The method according to claim 45 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

82 . The method according to claim 46 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

83 . The method according to claim 47 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

84 . The method according to claim 48 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

85 . The method according to claim 49 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

86 . The method according to claim 50 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

87 . The method according to claim 51 , wherein the cable television provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

88 . A method for billing for a purchase transaction over the Internet between a purchasing customer and a selling vendor by a telephone service provider which is not the selling vendor, the method comprising the telephone service provider: providing access to the Internet for the purchasing customer and charging the purchasing customer a transaction amount for the purchase transaction by charging the transaction amount to an account of the purchasing customer.

89 . The method according to claim 88 , wherein the account of the purchasing customer is an account with the telephone service provider.

90 . The method according to claim 88 , wherein the account of the purchasing customer is a credit card account or a bank account.

91 . The method according to any one of claims 88 - 90 , wherein the selling vendor does not receive the account number to which the transaction amount is charged before the transaction amount is charged to the account.

92 . The method according to any one of claims 88 - 90 , wherein delivery of the product or service purchased in the purchase transaction is by electronic transmission.

93 . The method according to claim 91 , wherein delivery of the product or service purchased in the purchase transaction is by electronic transmission.

94 . The method according to any one of claims 88 - 90 , wherein delivery of the product or service purchased in the purchase transaction is by mail or courier.

95 . The method according to claim 91 , wherein delivery of the product or service purchased in the purchase transaction is by mail or courier.

96 . The method according to any one of claims 88 - 90 , wherein the telephone service provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

97 . The method according to claim 91 , wherein the telephone service provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

98 . The method according to claim 92 , wherein the telephone service provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

99 . The method according to claim 93 , wherein the telephone service provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

100 . The method according to claim 94 , wherein the telephone service provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

101 . The method according to claim 95 , wherein the telephone service provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

102 . The method according to any one of claims 88 - 90 , wherein the telephone service provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

103 . The method according to claim 91 , wherein the telephone service provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

104 . The method according to claim 92 , wherein the telephone service provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

105 . The method according to claim 93 , wherein the telephone service provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

106 . The method according to claim 94 , wherein the telephone service provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

107 . The method according to claim 95 , wherein the telephone service provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

108 . The method according to any one of claims 88 - 90 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

109 . The method according to claim 91 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

110 . The method according to claim 92 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

111 . The method according to claim 93 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

112 . The method according to claim 94 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

113 . The method according to claim 95 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

114 . The method according to claim 96 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

115 . The method according to claim 97 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

116 . The method according to claim 98 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

117 . The method according to claim 99 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

118 . The method according to claim 100 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

119 . The method according to claim 101 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

120 . The method according to claim 102 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

121 . The method according to claim 103 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

122 . The method according to claim 104 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

123 . The method according to claim 105 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

124 . The method according to claim 106 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

125 . The method according to claim 107 , wherein the telephone service provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

126 . The method according to any one of claims 88 - 90 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

127 . The method according to claim 91 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

128 . The method according to claim 92 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

129 . The method according to claim 93 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

130 . The method according to claim 94 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

131 . The method according to claim 95 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

132 . The method according to claim 96 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

133 . The method according to claim 97 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

134 . The method according to claim 98 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

135 . The method according to claim 99 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

136 . The method according to claim 100 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

137 . The method according to claim 101 , herein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

138 . The method according to claim 102 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

139 . The method according to claim 103 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

140 . The method according to claim 104 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

141 . The method according to claim 105 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

142 . The method according to claim 106 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

143 . The method according to claim 107 , wherein the telephone service provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

144 . A method for billing for a purchase transaction over the Internet between a purchasing customer and a selling vendor by an on-line services provider which is not the selling vendor, the method comprising the on-line services provider: providing access to the Internet for the purchasing customer and charging the purchasing customer a transaction amount for the purchase transaction by charging the transaction amount to an account of the purchasing customer.

145 . The method according to claim 144 , wherein the account of the purchasing customer is an account with the on-line services provider.

146 . The method according to claim 144 , wherein the account of the purchasing customer is a credit card account or a bank account.

147 . The method according to any one of claims 144 - 146 , wherein the selling vendor does not receive the account number to which the transaction amount is charged before the transaction amount is charged to the account.

148 . The method according to any one of claims 144 - 146 , wherein delivery of the product or service purchased in the purchase transaction is by electronic transmission.

149 . The method according to claim 147 , wherein delivery of the product or service purchased in the purchase transaction is by electronic transmission.

150 . The method according to any one of claims 144 - 146 , wherein delivery of the product or service purchased in the purchase transaction is by mail or courier.

151 . The method according to claim 147 , wherein delivery of the product or service purchased in the purchase transaction is by mail or courier.

152 . The method according to any one of claims 144 - 146 , wherein the on-line services provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

153 . The method according to claim 147 , wherein the on-line services provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

154 . The method according to claim 148 , wherein the on-line services provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

155 . The method according to claim 149 , wherein the on-line services provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

156 . The method according to claim 150 , wherein the on-line services provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

157 . The method according to claim 151 , wherein the on-line services provider is advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

158 . The method according to any one of claims 144 - 146 , wherein the on-line services provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

159 . The method according to claim 147 , wherein the on-line services provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

160 . The method according to claim 148 , wherein the on-line services provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

161 . The method according to claim 149 , wherein the on-line services provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

162 . The method according to claim 150 , wherein the on-line services provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

163 . The method according to claim 151 , wherein the on-line services provider is not advised that the customer desires to enter into the purchase transaction before the vendor is advised that the customer desires to enter into the purchase transaction.

164 . The method according to any one of claims 144 - 146 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

165 . The method according to claim 147 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

166 . The method according to claim 148 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

167 . The method according to claim 149 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

168 . The method according to claim 150 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

169 . The method according to claim 151 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

170 . The method according to claim 152 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

171 . The method according to claim 153 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

172 . The method according to claim 154 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

173 . The method according to claim 155 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

174 . The method according to claim 156 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

175 . The method according to claim 157 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

176 . The method according to claim 158 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

177 . The method according to claim 159 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

178 . The method according to claim 160 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

179 . The method according to claim 161 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

180 . The method according to claim 162 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

181 . The method according to claim 163 , wherein the on-line services provider receives authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer.

182 . The method according to any one of claims 144 - 146 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

183 . The method according to claim 147 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

184 . The method according to claim 148 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

185 . The method according to claim 149 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

186 . The method according to claim 150 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

187 . The method according to claim 151 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

188 . The method according to claim 152 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

189 . The method according to claim 153 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

190 . The method according to claim 154 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

191 . The method according to claim 155 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

192 . The method according to claim 156 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

193 . The method according to claim 157 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

194 . The method according to claim 158 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

195 . The method according to claim 159 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

196 . The method according to claim 160 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

197 . The method according to claim 161 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

198 . The method according to claim 162 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

199 . The method according to claim 163 , wherein the on-line services provider receives authorization from the selling vendor to charge the transaction amount to the account of the purchasing customer without previously having received authorization from the purchasing customer to charge the transaction amount to the account of the purchasing customer.

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